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银行故意留存虚假客户信息

来源: 南方日报网络版     时间: 2019年04月23日 08:58:54
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(日)(报)(》记)(者)(,公)(司)(基)(层)(营)(销)(人)(员)(反)(映)(,由)(于)(合)(作)(的)(银)(邮)(代)(理)(机)(构)(为)(了)(保)(护)(客)(户)(资)(源)(,故)(意)(留)(存)(虚)(假)(客)(户)(信)(息)(,致)(使)(公)(司)(无)(法)(联)(系)(投)(保)(人)(进)(行)(正)(常)(的)(回)(访)(,导)(致)(公)(司)(上)(半)(年)(退)(保)(率)(有)(所)(增)(加)(。  险)(企)(吐)(槽)(银)(邮)(代)(理)(  从)(今)(年)(前)(五)(月)(的)(数)(据)(来)(看)(,一)(大)(批)(中)(小)(险)(企)(借)(助)(银)(保)(渠)(道)(,使)(其)(保)(费)(增)(长)(进)(入)(快)(车)(道)(,而)(在)(保)(费)(增)(长)(的)(同)(时)(,部)(分)(险)(企)(也)(对)(银)(保)(渠)(道)(“颇)(有)(怨)(言)(”。  同)(业)(数)(据)(显)(示)(,今)(年)(前)(五)(个)(月)(银)(保)(市)(场)(新)(单)(规)(模)(保)(费)(同)(比)(增)(长)(超)(过)(100%的)(险)(企)(有)(7家)(,分)(别)(为)(:工)(银)(安)(盛)(人)(寿)(、阳)(光)(人)(寿)(、中)(融)(人)(寿)(、幸)(福)(人)(寿)(、农)(银)(人)(寿)(、长)(城)(人)(寿)(、招)(商)(信)(诺)(人)(寿)(等)(。  在)(银)(保)(市)(场)(新)(单)(规)(模)(保)(费)(超)(过)(100亿)(元)(的)(保)(险)(公)(司)(有)(14家)(,分)(别)(为)(:中)(国)(人)(寿)((678亿)(元)()、华)(夏)(人)(寿)((605亿)(元)()、人)(保)(寿)(险)((448亿)(元)()、富)(德)(生)(命)(人)(寿)((407亿)(元)()、安)(邦)(人)(寿)((365亿)(元)()、新)(华)(保)(险)((275亿)(元)()、前)(海)(人)(寿)((237亿)(元)()、中)(邮)(人)(寿)((198亿)(元)()、太)(平)(人)(寿)((194亿)(元)()、建)(信)(人)(寿)((181亿)(元)()、阳)(光)(人)(寿)((173亿)(元)()、国)(华)(人)(寿)((160亿)(元)()、工)(银)(安)(盛)((131亿)(元)()、幸)(福)(人)(寿)((105亿)(元)()等)(。  上)(述)(险)(企)(人)(士)(表)(示)(,和)(不)(少)(中)(小)(险)(企)(类)(似)(,公)(司)(银)(保)(业)(务)(占)(各)(渠)(道)(比)(相)(对)(较)(高)(,而)(银)(保)(渠)(道)(依)(赖)(往)(往)(有)(以)(下)(几)(种)(弊)(病)(。  一)(是)(保)(监)(会)(规)(定)(保)(险)(公)(司)(不)(允)(许)(驻)(点)(销)(售)(,客)(观)(上)(形)(成)(前)(期)(信)(息)(披)(露)(不)(全)(,财)(务)(核)(保)(不)(到)(位)(;二)(是)(现)(在)(的)(银)(保)(合)(作)(,保)(险)(公)(司)(话)(语)(权)(相)(对)(较)(弱)(,对)(银)(行)(及)(银)(行)(柜)(员)(约)(束)(能)(力)(差)(;三)(是)(银)(行)(对)(于)(保)(险)(代)(理)(销)(售)(的)(管)(理)(机)(制)(不)(健)(全)(、培)(训)(不)(到)(位)(,造)(成)(了)(部)(分)(银)(行)(代)(理)(销)(售)(人)(员)(片)(面)(追)(求)(自)(身)(利)(益)(,误)(导)(较)(多)(;四)(是)(部)(分)(银)(邮)(网)(点)(为)(了)(保)(护)(客)(户)(资)(源)(,故)(意)(留)(存)(虚)(假)(客)(户)(信)(息)(,公)(司)(无)(法)(联)(系)(上)(投)(保)(人)(进)(行)(正)(常)(的)(回)(访)(,银)(保)(渠)(道)(退)(保)(率)(较)(高)(。  该)(人)(士)(表)(示)(,银)(保)(渠)(道)(的)(退)(保)(率)(较)(高)(与)(销)(售)(误)(导)(有)(直)(接)(关)(系)(。主)(要)(表)(现)(为)(:代)(客)(户)(签)(名)(、部)(分)(银)(邮)(代)(理)(机)(构)(出)(现)(少)(数)(保)(险)(销)(售)(人)(员)(向)(客)(户)(“承)(诺)(分)(红)(险)(有)(保)(证)(收)(益)(”和)(“将)(保)(险)(说)(成)(是)(存)(款)(或)(国)(债)(”的)(情)(况)(。另)(外)(,随)(着)(营)(销)(人)(员)(招)(聘)(难)(度)(增)(大)(,导)(致)(目)(前)(银)(保)(销)(售)(队)(伍)(整)(体)(素)(质)(不)(高)(、流)(动)(性)(大)(,销)(售)(人)(员)(未)(能)(全)(面)(、客)(观)(介)(绍)(产)(品)(,也)(是)(引)(起)(退)(保)(的)(一)(大)(原)(因)(。  高)(现)(价)(产)(品)(退)(保)(  另)(一)(险)(企)(银)(保)(人)(士)(刘)(先)(生)(表)(示)(,下)(半)(年)(公)(司)(银)(保)(渠)(道)(将)(重)(点)(关)(注)(高)(现)(价)(产)(品)(的)(退)(保)(问)(题)(。“从)(数)(据)(分)(析)(来)(看)(,公)(司)(目)(前)(的)(退)(保)(客)(户)(群)(体)(更)(偏)(向)(于)(中)(老)(年)(客)(户)(和)(农)(村)(等)(联)(系)(方)(式)(容)(易)(异)(动)(的)(客)(户)(,由)(于)(客)(户)(的)(维)(护)(难)(度)(更)(大)(,总)(公)(司)(要)(求)(分)(支)(机)(构)(提)(前)(做)(好)(退)(保)(准)(备)(,有)(针)(对)(性)(地)(指)(导)(网)(点)(加)(强)(客)(户)(的)(维)(护)(,促)(进)(转)(保)(率)(的)(提)(升)(。”  刘)(先)(生)(提)(到)(,总)(公)(司)(要)(求)(分)(支)(机)(构)(定)(期)(开)(展)(客)(户)(的)(兑)(付)(和)(满)(期)(转)(保)(分)(析)(,并)(将)(相)(关)(数)(据)(提)(交)(给)(总)(公)(司)(,并)(要)(求)(分)(支)(机)(构)(及)(时)(收)(集)(电)(话)(维)(护)(不)(到)(的)(客)(户)(信)(息)(,了)(解)(在)(保)(险)(公)(司)(回)(访)(过)(程)(中)(是)(否)(变)(更)(联)(系)(方)(式)(,并)(将)(已)(变)(更)(的)(客)(户)(联)(系)(方)(式)(下)(发)(网)(点)(重)(新)(进)(行)(联)(系)(,以)(便)(总)(公)(司)(领)(导)(能)(及)(时)(掌)(握)(代)(理)(保)(险)(趋)(势)(和)(动)(态)(,并)(作)(出)(策)(略)(调)(整)(。  此)(外)(,刘)(先)(生)(表)(示)(,公)(司)(下)(一)(步)(将)(加)(大)(新)(单)(客)(户)(回)(访)(力)(度)(,检)(验)(保)(单)(品)(质)(,努)(力)(降)(低)(退)(保)(率)(。具)(体)(做)(法)(为)(:进)(行)(缴)(费)(提)(醒)((保)(险)(金)(领)(取)(通)(知)(等)(及)(时)(响)(应)(),对)(客)(户)(提)(出)(的)(服)(务)(需)(求)(及)(时)(处)(理)(;业)(务)(变)(动)(衔)(接)(及)(时)(处)(理)(,包)(括)(业)(务)(员)(离)(职)(变)(动)(,新)(的)(服)(务)(人)(员)(入)(职)(及)(时)(通)(知)(,凭)(证)(准)(确)(寄)(送)(等)(。  值)(得)(一)(提)(的)(是)(,近)(日)(北)(京)(保)(监)(局)(向)(各)(人)(身)(保)(险)(公)(司)(及)(在)(京)(银)(邮)(类)(兼)(业)(代)(理)(机)(构)(等)(下)(发)(了)(《关)(于)(进)(一)(步)(加)(强)(人)(身)(保)(险)(产)(品)(销)(售)(管)(理)(的)(通)(知)(》(以)(下)(简)(称)(《通)(知)(》),《通)(知)(》要)(求)(从)(2016年)(1月)(1日)(起)(,银)(邮)(类)(保)(险)(兼)(业)(代)(理)(机)(构)(代)(理)(销)(售)(保)(单)(利)(益)(不)(确)(定)(的)(人)(身)(保)(险)(产)(品)(的)(,应)(实)(施)(录)(音)(;鼓)(励)(有)(条)(件)(的)(机)(构)(实)(施)(同)(步)(录)(音)(录)(像)(。《通)(知)(》的)(下)(发)(对)(遏)(制)(银)(保)(渠)(道)(销)(售)(误)(导)(,降)(低)(银)(保)(渠)(道)(的)(退)(保)(率)(有)(积)(极)(影)(响)(。点)(击)(进)(入)(【股)(友)(会)(】参)(与)(讨)(论)(
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